NAB Home Loan Calculator
Estimate your monthly NAB home loan payment at current rates. Free, no signup.
$
%
yrs
Your monthly payment$3,597
Principal$600,000
Total interest$695,029
Total$1,295,029
Calculated live on this page · reference rates June 2026. Open the full tool →
NAB home loan rate
| Lender | Typical rate | Max term |
|---|---|---|
| NAB | 6.00% p.a. | up to 30 years |
RBA ~3.85%; variable. Your rate depends on your profile and deposit — verify with the bank.
Worked example
Example: A$600,000 NAB home loan at 6.00% for 30 years.
- Monthly payment: A$3,597
- Total interest: A$695,029
- Total payable: A$1,295,029
Frequently Asked Questions
What is the NAB home loan rate?
NAB home loan rates are around 6.00% p.a. as a 2026 reference. RBA ~3.85%; variable. Your exact rate depends on your profile and deposit.
How is the NAB monthly payment calculated?
Using the reducing-balance formula on the financed amount. Enter your amount, rate and term in the calculator above.
How much deposit do I need?
A larger deposit lowers your rate and total cost. Most lenders also add valuation, legal and registration fees on top of the deposit.
Can I reduce the total cost?
Yes — a bigger deposit, shorter term, and extra/early repayments all cut total interest. Check for any early-repayment charges first.